Clear expectations, before you begin.

Who operates this website

This website is operated under the name Canada Policy Experts. We provide life insurance information and assistance with quote requests in every Canadian province and territory except Quebec. Availability depends on applicable licensing, insurer rules and your circumstances. Contact info@canadapolicyexperts.com with questions about these terms.

Information and calculators

Articles, examples and calculator results are educational information, not personalized insurance, legal, tax or medical advice. Calculators use the figures you enter and simplified assumptions. They do not assess eligibility, guarantee adequate coverage or calculate an insurer's premium. Review your situation with an appropriately qualified professional before making a decision.

Quotes, applications and coverage

A quote request or message does not create an insurance policy, bind an insurer or guarantee acceptance. Estimates may change after underwriting or verification. Coverage begins only as specified by the insurer and the issued policy, once applicable requirements are met. Read all policy documents, exclusions, waiting periods, premiums and cancellation rights before accepting coverage. Do not cancel existing coverage based only on this website or a preliminary quote.

Your submissions

Provide accurate information that you are authorized to share. Do not submit another person's sensitive information without appropriate authority. Contact us to correct an error. Use our forms for legitimate enquiries; do not send malicious files, impersonate others, disrupt the website or try to gain unauthorized access.

Privacy and communication

Our Privacy Policy explains how information is handled. Submitting a quote or contact request asks us to respond about that request; it is not a blanket agreement to unrelated marketing. Email and device sharing are operated by your selected provider. Review recipients and attachments before sending. Avoid sending medical records or identity documents in ordinary email unless an advisor has arranged an appropriate method.

Content and third-party websites

Canada Policy Experts' website content and branding are protected by applicable intellectual property laws. You may read, link to and download educational resources for your own use, including sharing your calculator report with an advisor. This does not grant rights to republish our content commercially or imply our endorsement. Carrier names and logos belong to their respective owners. External sites have their own terms, privacy practices and content.

Availability, accuracy and responsibility

We aim to keep this website useful and accurate, but information can change and errors or interruptions may occur. Tell us if you find a problem. To the extent permitted by applicable law, we do not guarantee uninterrupted availability or that general information is suitable for every person's circumstances. Nothing in these terms excludes responsibility that cannot lawfully be excluded, limits applicable consumer or privacy rights, or overrides duties owed by an advisor or insurer.

Changes and applicable law

We may update these terms by posting a revised version with an updated date. Changes apply prospectively and do not amend an existing insurance contract. Applicable Canadian federal and provincial or territorial law governs your rights and obligations. These terms do not require you to waive access to a court or regulator available under applicable law.

Questions or concerns

Contact our team or call +1 877-418-8847. Insurance and licensing information is provided in writing before you apply, and on request at any time.